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Hdfc Bank Limited (HDB)
NYSE:HDB
Holding HDB?
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Earnings Data
Report Date
Jan 22, 2025TBA Not Confirmed
Period Ending
2025 (Q3)Consensus EPS Forecast
$0.79Last Year’s EPS
$0.78Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Oct 19, 2024
|% Change Since: 5.57%
|Next Earnings Date:Jan 22, 2025
Earnings Call Sentiment|Neutral
The earnings call reflected a stable financial performance with strong deposit growth and stable asset quality. However, challenges remain in terms of slower loan growth and elevated deposit rates, impacting the bank's interest margins.Company Guidance
During the HDFC Bank Limited Q2 FY '25 earnings call, several key metrics and guidance were discussed. The bank reported a year-on-year deposit growth of approximately 15%, with retail branches contributing 84% to total deposits. The advances under management grew by 10.2% year-on-year, while the bank's margins remained stable between 3.45% and 3.5%, with a reported margin of 3.46%. Asset quality remained strong, with a gross NPA of about 1.4% and gross slippages at 1.2%, showing improvement from the previous year. The profit after tax stood at INR 16,800 crores, marking an adjusted growth rate of 17% after accounting for bond gains and tax adjustments. The bank also aims to gradually reduce its credit-deposit ratio to the mid-80s within 2 to 3 years, aligning credit growth with systemic growth rates, and continues to focus on maintaining robust deposit inflows while calibrating loan growth based on pricing dynamics and credit quality considerations.Strong Deposit Growth
Deposit growth has been very healthy with an average year-on-year growth of around 15%, with retail branches contributing approximately 84% of the total deposits.
Stable Asset Quality
Gross NPA continues to be stable at about 1.4%, with gross slippages at 1.2%, which is better than the same time last year.
Profit Growth
Profit after tax grew at about INR 16,800 crores, showing an adjusted growth rate of about 17% after accounting for bond gains and tax adjustments.
Fee Income Growth
Fee income grew by about 17% year-on-year, driven by strong performance in third-party products, which grew by almost 32%.
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HDB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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HDB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 16, 2024 | $64.94 | $60.58 | -6.71% |
| Oct 16, 2023 | $57.63 | $58.43 | +1.39% |
| Jul 17, 2023 | $66.31 | $69.24 | +4.42% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Hdfc Bank Limited (HDB) report earnings?
Hdfc Bank Limited (HDB) is schdueled to report earning on Jan 22, 2025, TBA Not Confirmed.
What is Hdfc Bank Limited (HDB) earnings time?
Hdfc Bank Limited (HDB) earnings time is at Jan 22, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HDB EPS forecast?
HDB EPS forecast for the fiscal quarter 2025 (Q3) is $0.79.
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